Today we look at some commentary that examines the Cash Individual Savings Account (ISA) market in a benign light. The points made are interesting, but we feel the broader picture needs to be examined. The text (edited for reasons of space and economy of narrative) comes from a microsite, Best Savings Rates. The full article […]
Good times lie ahead for financial technology and investors alike. As a young industry, crowdfunded peer-to-peer (P2P) business lending is in the foothills of public awareness and general acceptance. But all that is set to change, with the advent of the Innovative Finance Individual Savings Account (ISA). At Money&Co. we received full authorisation to offer […]
Peer-to-peer(P2P) business lending is expanding rapidly. This sub-sector of crowdfunding, the area we inhabit, is constantly morphing – competitors come and go, and the regulators (ultimately, the top UK watchdog, the Financial Conduct Authority [FCA]) take note and adjust regulatory requirements accordingly. Our friends at P2P Finance News report a new initiative to widen the […]
As a new series of loan offers taxis up the launch runway, we look at the process of peer-to-peer (P2P) lending from a borrower’s perspective. The sector is expanding all the time, but many small companies still don’t know of the availability and efficiency of alternatively sourced funding. With thanks to our friends at Alternative Business Funding, […]
We have a series of new loan offerings coming up on site soon. Ahead of their arrival on site, we thought we’d revisit the basics that lenders in peer-to-peer (P2P) business loans should acquaint themselves with before committing capital. See this, an extract from our Knowledge Hub: Take the trouble to understand what you’re putting […]
We hesitate to say it’s “business as usual”, since we’re not alone in wondering what “usual” is nowadays. It’s certainly not “normal”… In any event, recent figures from government quango, Innovate Finance, as reported by our friends at AltFi, indicate that volume has picked up in the alternative-finance sector. “The United Kingdom attracted £432m […]
Our crowdfunding cousins and friends on the equity side of the fence at Angels Den have launched a new fund of hand-picked (but by definition high-risk) investment companies. We believe that a sensible investor could and probably should find room for different asset classes in a balanced portfolio. So an offering from a high-quality company […]
One way of investing in peer-to-peer (P2P) loans is to use an investment trust, run by a professional investment manager. There are a number of such investment trusts, vehicles quoted on the London Stock Exchange. Today, we offer some commentary on a report on figures published by one of them, and reported on by our […]
Thanks to our friends at AltFi for the latest report on the convergence of mainstream and “alternative” finance. The over-used epithet “disruption” really does apply to financial technology. Administration and credit analysis are both massively enhanced by the advent of cutting-edge technology. For now, at least, big data and artificial intelligence alone are not enough […]
What impact will peer-to-peer (P2P) lending have on the property market? Our friends at The Scotsman run a well-argued opinion piece by debt adviser Jamie Davidson Conduit Finance. Mr Davidson confines himself to the Scottish market, but his views are applicable across the UK. His thoughts on the relationship between regulation and credit cost are […]